| Metric | Metro Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +4.1% | +1.5 pts |
| Share growth (YoY) | +4.8% | +3.5% | +1.2 pts |
| Loan growth (YoY) | -8.3% | +2.9% | -11.2 pts |
| ROA | 0.87% | 0.74% | +0.1 pts |
| ROE | 6.7% | 6.5% | +0.2 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $123.0M | $106.7M | $69.1M | $15.9M | $533K | 0.87% | 4.28% | 0.90% | 9,144 |
| Q1 2026 | $122.5M | $106.5M | $71.9M | $15.6M | $194K | 0.63% | 4.23% | 0.92% | 9,200 |
| Q4 2025 | $121.6M | $105.9M | $73.8M | $15.4M | $1.3M | 1.09% | 4.19% | 0.97% | 9,259 |
| Q3 2025 | $119.7M | $104.5M | $74.7M | $15.2M | $1.0M | 1.13% | 4.22% | 0.59% | 9,304 |
| Q2 2025 | $116.5M | $101.8M | $75.4M | $14.8M | $660K | 1.13% | 4.25% | 0.59% | 9,365 |
| Q1 2025 | $115.2M | $100.9M | $77.2M | $14.4M | $312K | 1.08% | 4.19% | 0.43% | 9,375 |
| Q4 2024 | $111.5M | $97.5M | $77.6M | $13.8M | $1.1M | 0.95% | 4.10% | 0.27% | 9,399 |
| Q3 2024 | $111.7M | $98.1M | $78.7M | $13.9M | $822K | 0.98% | 4.00% |
| Ratio | Metro Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.74% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 6.5% | 53rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.56% |
| 9,475 |
| Q2 2024 | $109.8M | $96.4M | $74.2M | $13.6M | $566K | 1.03% | 3.97% | 0.52% | 9,493 |
Loan mix (Q2 2026): real estate $22.7M · commercial $565K · consumer $40.9M · securities $23.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.9% | 77.5% | 44th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Metro Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Metro Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Metro Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Metro Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Metro Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Greene, MO, ranked 28th with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Greene, MO | 2 | $106.7M* | 0.68% | 28th |
Missouri: 223rd with 0.04% · Springfield metro: 31st, 0.55% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 2 · 2024 2 · 2025 2 · 2026 2